Climate Risk Summary

Zip Code 36784, Risk Profile

The primary drivers of climate-related financial risk in Thomasville, AL (36784) are Hurricane, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Lightning and Landslide compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

/ It represents the "average cost" rather than a guaranteed yearly bill.
/ It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Hurricane

$1,350,082

Expected Annual Loss for Zip Code 36784

89.4Score

Relatively High compared to US average

36784

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,237,145

Expected Annual Loss for Zip Code 36784

39.2Score

Relatively Moderate compared to US average

36784

Minimal Estimated LossMax Estimated Loss

Tornado

$623,686

Expected Annual Loss for Zip Code 36784

78.8Score

Relatively High compared to US average

36784

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$1,350,082

Score: 89.4

MAJOR DRIVER

Inland Flooding

$1,237,145

Score: 39.2

MAJOR DRIVER

Tornado

$623,686

Score: 78.8

Cold Wave

$254,763

Score: 66.6

Heat Wave

$189,364

Score: 69.1

Earthquake

$109,084

Score: 56.1

Strong Wind

$108,549

Score: 65.3

UNUSUALLY HIGH

Lightning

$107,162

Score: 86.3

Hail

$23,454

Score: 54.2

Wildfire

$6,308

Score: 72.0

Ice Storm

$5,521

Score: 26.9

Winter Weather

$5,248

Score: 44.7

Drought

$3,079

Score: 16.9

UNUSUALLY HIGH

Landslide

$829

Score: 85.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 89.4

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 39.2

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 78.8

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.3

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 85.1

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 36782 Zip Code 36727 Zip Code 36524 Zip Code 36736 Zip Code 36451 Zip Code 36769